US Bank Directory
Banks in Rancho Santa Margarita, CA
6 FDIC-insured banks operate 7 offices in Rancho Santa Margarita, California.
Source: FDIC BankFind, data as of September 5, 2026; hours checked October 10, 2026.
Bank branch map: Rancho Santa Margarita
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 7 locations in Rancho Santa Margarita, according to the FDIC. 7 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Rancho Santa Margarita
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Wells Fargo has the most locations in Rancho Santa Margarita, with 2. The other 5 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Rancho Santa Margarita, 769 across California and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Rancho Santa Margarita location is the Coto De Caza Branch at 22371 Antonio Pkwy, dating to 1994; the newest, at 30622 Santa Margarita Pkwy, to 2003. 1 of its 2 Rancho Santa Margarita locations with published hours open on Saturday.
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Coto De Caza Branch22371 Antonio Pkwy, 92688
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
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Rancho Santa Margarita30622 Santa Margarita Pkwy, 92688
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Rancho Santa Margarita, 684 across California and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Rancho Santa Margarita Branch at 31531 Santa Margarita Pkwy dates to 1990 in FDIC branch records. It opens on Saturday.
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Rancho Santa Margarita Branch31531 Santa Margarita Pkwy, 92688
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
California Bank of Commerce Bank · 1
California Bank of Commerce has 1 branch in Rancho Santa Margarita, 14 across California and 14 nationwide. FDIC records list its main office in San Diego, CA and show it operating since 2001. With $4.02 billion in total assets on June 30, 2026, it ranks No. 334 of 4,232 U.S. banks by total assets. The Rancho Santa Margarita Branch at 22342 Avenida Empresa dates to 2020 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Rancho Santa Margarita Branch22342 Avenida Empresa, 92688
Chase Bank · 1
Chase has 1 branch in Rancho Santa Margarita, 858 across California and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Rancho Santa Margarita Branch at 22391 Antonio Pkwy dates to 2005 in FDIC branch records. It opens on Saturday.
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Rancho Santa Margarita Branch22391 Antonio Pkwy, 92688
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Rancho Santa Margarita, 53 across California and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The Rancho Santa Margarita Branch at 29818 Santa Margarita Pkwy dates to 2003 in FDIC branch records. Its published hours do not list Saturday.
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Rancho Santa Margarita Branch29818 Santa Margarita Pkwy, 92688
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Rancho Santa Margarita, 563 across California and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Rancho Santa Margarita Branch at 22012 El Paseo dates to 1996 in FDIC branch records. Its published hours do not list Saturday.
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Rancho Santa Margarita Branch22012 El Paseo, 92688
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Banking in Rancho Santa Margarita: the local picture
Short answer: 6 banks run 7 branches in Rancho Santa Margarita according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 0 have their main office in Rancho Santa Margarita, 1 elsewhere in California and 5 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of America's office at 31531 Santa Margarita Pkwy, dating to 1990; the newest is California Bank of Commerce's at 22342 Avenida Empresa, from 2020.
Of the 6 locations with published hours. 3 open on Saturday. 1 location has no published hours in these sources.
Banks open on Saturday in Rancho Santa Margarita
Short answer: 3 of the 6 Rancho Santa Margarita locations with published hours open on Saturday, run by 3 institutions.
- Wells Fargo: 1 of 2 branches (30622 Santa Margarita Pkwy: Saturday 9 am to 2 pm)
- Chase: 1 of 1 branch (22391 Antonio Pkwy: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (31531 Santa Margarita Pkwy: Saturday 9 am to 4 pm)
Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 7 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Rancho Santa Margarita, and where the nearest one is if they do not.
Short answer: In Rancho Santa Margarita: Chase (1), Wells Fargo (2), Bank of America (1), U.S. Bank (1). No branches in Rancho Santa Margarita: PNC Bank (nearest in Corona, 15 mi), Truist, Fifth Third Bank (nearest in Lake Forest, 6 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Mission Viejo, 7 mi).
| Bank | In Rancho Santa Margarita | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 1 branch | here |
| PNC Bank | None | Corona, 15 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Lake Forest, 6 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Mission Viejo, 7 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Rancho Santa Margarita to the nearest branch in California.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Rancho Santa Margarita residents like anyone else.
Banks near Rancho Santa Margarita
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Foothill Ranch (5 miles) and Mission Viejo (5 miles). Laguna Hills, 7 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Foothill Ranch, CA | 5 mi | 3 | 3 |
| Banks in Mission Viejo, CA | 5 mi | 9 | 16 |
| Banks in Ladera Ranch, CA | 6 mi | 4 | 4 |
| Banks in Lake Forest, CA | 6 mi | 6 | 9 |
| Banks in Laguna Hills, CA | 7 mi | 12 | 13 |
| Banks in Laguna Woods, CA | 8 mi | 2 | 2 |
| Banks in Aliso Viejo, CA | 8 mi | 3 | 3 |
| Banks in Rancho Mission Viejo, CA | 8 mi | 2 | 2 |
Bank branch openings and closings in Rancho Santa Margarita
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Rancho Santa Margarita between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Rancho Santa Margarita by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Rancho Santa Margarita offices.
Short answer: Chase is the largest bank with offices in Rancho Santa Margarita, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 2 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| California Bank of Commerce | $4.02 billion | No. 334 | 1 | San Diego, CA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Rancho Santa Margarita: FAQ
How many banks are in Rancho Santa Margarita, CA?
Rancho Santa Margarita has 6 banks with 7 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Rancho Santa Margarita?
Wells Fargo, with 2. Chase has 1 and Bank of America has 1.
Is there a Wells Fargo in Rancho Santa Margarita, CA?
Yes. FDIC data lists 2 Wells Fargo branches in Rancho Santa Margarita as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Chase in Rancho Santa Margarita, CA?
Yes. FDIC data lists 1 Chase branch in Rancho Santa Margarita as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Rancho Santa Margarita, CA?
Yes. FDIC data lists 1 Bank of America branch in Rancho Santa Margarita as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Rancho Santa Margarita, CA?
No. FDIC data lists no PNC Bank branch in Rancho Santa Margarita as of September 5, 2026. The nearest is in Corona, about 15 miles away in a straight line.
Which banks in Rancho Santa Margarita are open on Saturday?
Wells Fargo, Chase and Bank of America publish Saturday hours for one or more Rancho Santa Margarita locations. The Saturday section above lists each one with its hours. 1 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Rancho Santa Margarita?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Did any bank branches open or close in Rancho Santa Margarita in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Rancho Santa Margarita?
Nearby cities with more banks include Foothill Ranch, Mission Viejo, Ladera Ranch. Foothill Ranch is 5 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Bank branch hours, phones and branch pages (6 of 7 branches: Bank of America, Chase, First Citizens Bank, U.S. Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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